Well, sure getting into debt to begin with doesn't make you a victim ... but there's definitely some opportunity for victimization once they go into default; it's an opaque process that most people don't know enough about up front. Think 30% penalty-APRs on your credit cards or five-figure collection fees tacked onto student loan debts. To what extent is this the real price of the risk and prices you're exposing the lenders to, and to what extent is it simply exploitation? A clear answer is hard to come by.